First Internet Bank

First Internet Bank provides banking infrastructure for fintech partnerships and digital business accounts. It is based in Indiana.

Services The listed services are fintech partnerships, business accounts and digital banking. The bank publishes its target segments as fintech companies, banks and financial institutions, businesses and enterprises, and software platforms. Payment rails listed are ACH, FedNow and RTP, which covers both batch and real-time domestic transfers in the United States.

Partnership model This is a bank, so programme terms and the onboarding of fintech partners are handled separately from opening an ordinary account. A company that wants to build a product on top of the bank should expect a programme-level review rather than self-service sign-up.

Deposit protection The bank states on its website that it is an FDIC member. Protection applies only to eligible bank deposits, not to every product or investment, and it does not cover the risk of a non-bank intermediary in the payment chain.

Who it suits The profile fits fintech firms and software platforms that need a US sponsor bank with access to FedNow and RTP, as well as companies that simply want digital business accounts.